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ICICI Lombard Complete Health Insurance- iHealth Plan

Objective

An online health insurance policy that endows its policyholders with a customized protection by making available different add-ons that can be attached to the plan as per their own desire.

Our View

A policy that provides a wide coverage for hospitalisation expenses. It is a good policy but not a complete health solution, as its name suggests because it misses out Out patient treatment and maternity expenses. Above all, the Critical Illness benefit is a bit expensive as compared to standalone policies. It is recommended for those who are familiar with insurance concepts and are wise enough to customize the policy to suit their requirements after understanding the benefit of each add-on. Others who have reliable advisors to explain consequences of each customization may also consider it.

Suited for

This policy can be taken on an individual or family floater basis including spouse and children under a single policy.

What does it do?

It provides for inpatient hospitalisation, pre and post hospitalisation, day care procedures that do not require an overnight stay in hospital, regular free health check-up and emergency ambulance. This plan can be extended to include any one or both the add-ons by paying extra premium. First add-on allows hospital daily cash to meet subsequent expenses and convalescence benefit for recovery. Second add-on can cover critical illness and donor expenses.
A policyholder can select any one or both of these options to modify the policy to suit their needs. Certain complementary services such as free health check-up, e-consultations with specialists and free coupons for purchase from certain outlets are also provided.
Policyholder can also opt for sub-limits or/ and voluntary deductible where the agreed initial portion of expenses have to be borne by policyholder before the insurer pays for the bills. This will reduce the premium payable as insurers offer discount on opting for these benefits.

Pros

This policy allows a lifetime renewability.

There is no sub-limit.

This policy can be bought online.

Premium paid under this policy qualifies for deduction under section 80D of Income Tax Act.

Cons

Option II covering critical illness and organ donor expenses is over priced.

Eligibility

Entry Age (years)

Minimum
18; 6 in case of individual policy and 3 months in case of floater plan
Maximum
No limit
Maximum Policy Renewal Age (years)
No Limit
Coverage Type
Individual/ family floater

Sum Insured (Rs)

Maximum
10 lakh
Minimum
3 lakh for individual; 2 lakh for family floater
Policy Term (years)
1 or 2
Tax Benefit
Premium paid is eligible for tax benefit under section 80D of the Income Tax Act
Discount
Available if opted for Voluntary Deductible
Discount on premium if opted for sub-limits
No Claim Bonus
10% of sum insured for each claim free year, upto maximum of 50%. In case of claim, the sum would be reduced by 20% on next renewal
Pre Policy Medical Check Up
Not required below 46 years of age
Free look Period
15 days
Grace Period for Policy Renewal
15 days
Policy Termination
Either of the insurer or policyholder are allowed to terminate by giving a 15 days notice period. Insurance company shall refund a pre fixed percentage of premium.

Customer Service

Address
ICICI Lombard General Insurance Company Limited
ICICI Bank Towers
Bandra Kurla Complex
Mumbai 400 051 or ICICI Lombard General Insurance Company Limited
ICICI Lombard House
414, Veer Savarkar Marg,
Near Siddhi Vinayak Temple,
Prabhadevi, Mumbai 400025
Mail to
[email protected]
Call to
1800-2666
Network Hospitals
Https://www.icicilombard.com/Content/ilom-en/Hospital_list/search.asp

Additions to the Plan

Scope Of Cover
Cashless facilityAvailable at empanelled hospitals in India
Re-imbursement facilityavailable if treatment taken in non-empanelled hospital
Pre-post hospitalisationRelevant medical expenses covered from 30 days prior and 60 days post hospitalisation
In-patient TreatmentCovered
Day-Care Procedurescovered
Emergency Ambulancereimbursement of expense upto Rs 1500 per hospitalisation
Value Added Services
Health Check-upavailable free of cost at every policy year subject to maximum 2 coupons per year for floater policies
Online chat with doctorsavailable
Discount on wellness servicesdiscount vouchers on certain services from specific outlets
Optional Add-Ons (require payment of extra premium)
Option I
Hospital Daily Cash paid once during the policy period for each completed day of hospitalisation subject to maximum of 10 consecutive days with 3 days deductible. It pays Rs 500 per day for sum insured of Rs 1 lakh/ 2 lakh; Rs 1000 per day for sum assured of Rs 3/4/5 lakh; Rs 2000 per day for sum assured of Rs 7/10 lakh
Convalescence BenefitRs 10000 payable once during policy period in case of hospitalisation for a period of 10 or more consecutive days
Option II
Critical Illness(for sum insured Rs 3/4/5 lakh)It will cover illnesses like Cancer, Coronary Artery By-pass Graft Surgery, Myocardial Infarction (Heart Attack), End Stage Renal Failure (Kidney Failure), Major Organ Transplant, Stroke, Paralysis, Heart Valve Replacement Surgery and End Stage Liver Failure
Donor expensesreimbursement of upto Rs 50000
Exclusions and Waiting Period
Pre-existing diseasecovered after 2 years or 4 years(forRs 1 / 2 lakh sum insured) of continuous coverage
No claim periodAny disease contracted during the first 30 days of commencement of the policy
Waiting Period24 months for treatment of specific illnesses like Cataract, hernia, arthritis, sinusitos etc.
General ExclusionsNon-allopathic treatmenttreatment of AIDS or related condition

Cost Details

Annual Premium
Age(years)Sum Insured (in Rs)
2 lakh3 lakh4 lakh5 lakh7 lakh10 lakh
Individual
21-25NA26243383359526244298
26-35NA37825261551458946299
36-45NA49396692703375468090
46-50NA82819996105321134112199
51-55NA1147113914147101590917180
56-60NA1586619263203772205823839
61-65NA2107725495269012902131268
66-70NA2631131808335493617538958
71-75NA2929935439373924033843460
76-80NA3368940759430134641250014
81-125NA5225863491671947277778695
Hospital Daily Cash+Convalescence Benefit
21-125NA75875875813671367
Donor Expense +Critical Illness
21-25NA65180095112501701
26-35NA9421201145119502700
36-45NA22702960365150307100
46-50NA4520596074001028014600
51-55NA872011560144002008028600
56-60NA1034013720171002386134001
61-125NANANANANANA
1Adult+1Child
21-25385844475099541761526471
26-35481654246508685675097972
36-45572263987581799687489316
46-508394982110723113221236013217
51-55107601269013857146641601517202
56-60140731664018137191982093422528
61-65181182132423122244162650428473
66-70255633008032559343653724740019
71-75281743318635918379204109744184
76-80320283774840838431194671650246
81-125480445704961866654877110476776
Hospital Daily Cash+Convalescence Benefit
21-12580813501350135024332433
Donor Expense +Critical Illness
21-25NA65180095112501701
26-35NA9511201145119502700
36-45NA22702960365150307100
46-50NA4520596074001028014600
51-55NA872011560144002008028600
56-60NA1034013720171002386134001
61-125NANANANANANA
1Adult+2Children
21-25541162367148759486229070
26-356306714884638937988910470
36-45715180579465100001104511725
46-5098041143712609133291467015634
51-55120231412615547164611809519369
56-60151281783019559207132270624363
61-65189202222124233256052793029935
66-70279323281135692376944102943998
71-75305423591739050412504488048162
76-80343964048043971464485049854225
81-125504115977964999688167488680755
Hospital Daily Cash+Convalescence Benefit
21-125121220252025202536503650
21-25NA65180095112501701
26-35NA9511201145119502700
36-45NA22702960365150307100
46-50NA4520596074001028014600
51-55NA872011560144002008028600
56-60NA1034013720171002386134001
61-125NANANANANANA
2Adults*+2Children
21-25721583149532101251149612093
26-35900310118412161128111403014894
36-45107731195714164149381634217403
46-50157511842720117212412318924795
51-55201892380625995275063003932267
56-60263983121334019360083926242253
61-65339833999643366457934970853399
66-70511286016065117687317449480037
71-75563486637171834758418219688367
76-806405675498816778623993432100491
81-12596088114098123732130974142208153552
Hospital Daily Cash+Convalescence Benefit
21-125161627002700270048674867
Donor Expense +Critical Illness
21-25NA13011600190125013402
26-35NA190124012901484005400
36-45NA4541592073021006114201
46-50NA904111921148012056129201
51-55NA1744023120288004016057200
56-60NA2068027440342014772268001
61-125NANANANANANA
2Adults*+3Children
21-2590191039311914126571437015117
26-35108071221614543153431690417917
36-45124971403616548174701921620426
46-50176802065122667239492626428031
51-55221172602928545302153311535502
56-60283273343636569387174233845489
61-65359124221945916485025278356635
66-70534956289268250720607827584017
71-75587166910274967791708597792346
76-806642378228848108956797213104470
81-12598456116828126865134303145990157531
Hospital Daily Cash+Convalescence Benefit
21-125202033753375337560836083
Donor Expense +Critical Illness
21-25NA13011600190125013402
26-35NA19012401290139005400
36-45NA4541592073021006114201
46-50NA904111921148012056129201
51-55NA1744023120288004016057200
56-60NA2068027440342014772268001
61-125NANANANANANA
*Both adults belong to same age group
Premiums are exclusive of service tax and cess